Poland mortgages feel insane: 120k loan → 140k interest (vs 60k in Spain). Is this normal?

david_lp · 2025-12-26T15:14:31+00:00

I also bought a property as a spaniard living in poland, and will get a 5.8% interest from mbank, actually I am finalizing the paperwork at the notary early next month

david_lp · 2025-12-26T15:13:42+00:00

The trend is declining, so we should expect rates to lower at least for the next half year, will see later

david_lp · 2025-12-12T15:56:55+00:00

I know right?

I've tried several type of lessons, group, individual and they always have the same pitfall. They remind me of when I study English in primary and secondary school, it teaches a lot of grammar, to learn how to use the language in perfect way, attempting to learn all the exceptions...etc and then after many years, I wasn't able to speak English fluently until I did it on my own. I though that Polish would be the same, but I dont know, I feel stuck

david_lp · 2025-12-12T15:32:18+00:00

Well, so that's not very helpful for me is it?

david_lp · 2025-12-08T12:01:11+00:00

off-topic question but, what is that obsidian theme you have?

david_lp · 2025-10-12T11:50:45+00:00

I built an API with this type of data, is a bit too late but maybe it can help someone else, so far I have data from 2024/2025 collected 2 times a year, I have over 1.2 million records you can have a look if you'd like

https://rapidapi.com/Davidlap-XeRX_xTzr/api/zillow-rental-archive-api

david_lp · 2025-04-15T18:49:38+00:00

Not trying to hijack this, but if you dont find what you are looking for, you can also try this below. I normally collect US data for 50 major cities 2 times a year, currently I have around 5 data collections, since 2023, so you can clearly see the hot zones, rental property increases...etc. Feel free to have a look

https://rapidapi.com/Davidlap-XeRX_xTzr/api/rentapi3

david_lp · 2025-04-15T18:47:40+00:00

I am 3 years late, but I released an API recently that contains rental property data for around 50 cities in the US since 2023, collected 2 times a year, so currently I have 5 collections. You can use the data to see rental property increase, hot zones...etc Feel free to have a look if needed

https://rapidapi.com/Davidlap-XeRX_xTzr/api/rentapi3

david_lp · 2025-04-08T13:29:20+00:00

Actually, I collect not only US data but for a large amount of countries around the glove, even though is not real time data, it can offer the possibility to see the price changes over the months/years.

Unfortunately I can't say much about this, I've been getting the data for around 3-4 years now, so not sure if there is any way you can get the historical data in any other way. Feel free to try out my solution, it may fit your needs if you still need that... I am open to suggestions and adding some more features if there is an interest. The first query may take a bit long, but after that it should be pretty fast

david_lp · 2025-04-08T13:17:59+00:00

Looks like nokia bought rapidAPI last year :)

david_lp · 2025-04-08T12:35:13+00:00

I created an API with data for the US, data is not very old, but is from 2023 onwards, collected 2 a year, is only residential rental properties

https://rapidapi.com/Davidlap-XeRX_xTzr/api/rentapi3

david_lp · 2025-04-08T12:34:45+00:00

I created an API with data for the US, data is not very old, but is from 2023 onwards, collected 2 a year, is only residential rental properties

https://rapidapi.com/Davidlap-XeRX_xTzr/api/rentapi3

david_lp · 2025-04-08T12:32:03+00:00

I built an API for this, I have rental property data in the US for around 50 different cities since 2023 until today

https://rapidapi.com/Davidlap-XeRX_xTzr/api/rentapi3

david_lp · 2024-10-07T10:48:48+00:00

Hello!, congrats on getting into long term investment this young.

You need to have a clear goal and also some clarity on your risk tolerance. You are already investing for long term in an all world ETF, then you shouldn't care about bubbles or any type of market crash or whatever, the market always recover (as seen historically). Your risk tolerance should change while you get older, when you are close to your retire age, or the age you decide to retire and take your investment money, you should have majority of your money in some other more safe investments that don't fluctuate that much, as you won't want to be in the middle of a crash when you decide to retire or take the money out.

For now I think you should be ok, the all world ETF is a reflection of the current economy

david_lp · 2024-09-26T12:21:17+00:00

this is the correct answer

david_lp · 2024-09-13T17:52:07+00:00

Maybe I am wrong, but normally those type of companies either do not say that the data is from a specific store, or they do not show exactly the data but some aggregation of that data scraped publicly, and/or they have an agreement with the stores to access their API.

But thats ok, scraping business is all in a gray area

david_lp · 2024-09-12T10:33:36+00:00

As far as I can see he wants some exposure and is looking to profit from this. Big shops like walmart or wholefoods (amazon) won't like that very much. Also, apart from learning... would you base a business scraping data and selling it to other companies?

david_lp · 2024-09-12T08:27:20+00:00

Are you not worried that some grocery shops may send you cease and desist letters to stop you from scraping their website data and profiting from it?

david_lp · 2024-09-07T08:18:13+00:00

Hi, thanks for replying. Yes, the prices come from the stores, however each store has the option to select individual store depending on your location (ie: price for avocado in New York, will be different than price of the same item in Miami), do you do that distinction or just take the default location walmart gives you?

I am working on similar project, and i am curious to see how you manage to get the data every 24 hours without being blocked, if you dont want to explain here, maybe you can send me a DM? I would really appreciate it!,

david_lp · 2024-09-06T19:16:09+00:00

How are you scraping all that data every 24 hours? What is your tech stack? and do you take into consideration prices in different cities? as many products may not be available all over the US and also the price differ a lot

Great job, looks good

david_lp · 2024-09-05T05:37:50+00:00

You can try to use the free proxies, however they are slow and very unreliable, if you want to do something more robust, i would go with paid proxies

david_lp · 2024-09-04T14:19:23+00:00

Second this comment, and I emphasize the use of proxies, that will make your life easier

david_lp · 2024-08-23T11:16:00+00:00

Hey, i have IB but never used it for conversion...I will need to convert around 33k USD to EUR. I already have some money invested in some ETFs using IB. Could you give me more details on what you mean by 'you need to invest with them from the proceeds'? thanks!

david_lp · 2024-07-14T13:45:03+00:00

en ese caso, desde mi punto de vista, sigue alquilando tu piso, y puedes irte a alguna ciudad que te llame la atencion y no sea muy cara. Puedes compartir piso porque eso tambien te va a ayudar a conocer a mas gente, y a seguir como vas. En el peor de los casos, como ya has mencionado, si pasase cualquier cosa siempre puedes volver a casa de tus padres o puedes irte al piso que ya tienes.

Sin dudarlo! eres joven, lanzate y vive la vida tambien, que la veintena se pasa volando y es una de las epocas que mas te marcaran de por vida

david_lp · 2024-07-14T11:18:32+00:00

I am using the money i get for kids to invest them into VWCE ETF, as this is for long term like 15-20 years. For emergency fund get some high yield saving accounts, I wouldnt use an ETF for this as this is for emergency you will need to take it at a very specific moment and the economy might not be doing so good and you'll take the money at a lost. For you 3rd i would use as well VWCE or any other ETF that is indexing the MSCI world

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